Car Loans Made Simple
- See if it's a yes in 60 seconds
- Free vehicle history and valuation check
- All credit histories considered
- No deposit Car Loans available
No impact on your credit score
Zuto is a credit broker not a lender. Our rates start from 8.9% APR, representative 19.0% APR.
How Zuto works
Apply Online
Using our simple application form, we will need a few details to provide a personalised quote.
Compare Finance
We’ll compare the best quotes from our panel of lenders to find the best deal to suit your needs.
Choose your car
Whether you've already found a car or want to browse our verified dealers, we'll run a free vehicle and history check for you.
Drive Away
We’ll take care of everything with the lender and arrange payment to the dealer so all you need to do is collect the car.
Do I need a deposit to be accepted?
No, a deposit could be beneficial but many lenders may still approve you without one.
Can I get car loan if I have bad credit?
Yes, we can help people with a less-than-perfect credit history. You may find that you're not offered the great rates that someone with excellent credit history might get, but we may still be able to help you find a finance option to suit your circumstances.
Why choose Zuto
£0 Deposit Options
Many of our lenders offer zero deposit options to help spread the cost.
Drive Away Within 7 Days
We go at your pace, but on average, you'll have your car within a week.
Providing Car Loans Since 2006
Over 5.3 million customers have trusted Zuto.
Expert Advice
Our team of car finance experts provide advice and guidance throughout the whole car buying process.
Flexible Terms
We offer flexible finance options including repayment terms tailored to your individual circumstances.
Convenience
Our easy online application process means you can start the car finance process anywhere!
Zuto is credit broker, not a lender. Zuto Limited is authorised and regulated by the Financial Conduct Authority, registration number 452589. All finance is subject to status and income.
Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Certain exclusions for NI residents. Zuto won't charge you anything for our service but we will receive a commission from the lender which varies based on the product, amount borrowed or your credit score. This doesn't affect the amount you pay. Written quotation on request.
Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 Months with a representative APR of 19.0% the amount payable would be £201 a month, with a total cost of credit of £4,064 and a total amount payable of £12,064.
